Q & A

I’m ready to file for my benefits…now what?

Complete Question: I’m 63 years old and after looking at my financial situation, I decided it would be best to start receiving my Social Security benefits in April of 2015. What should I do now? When do I file and how?

Answer: The best time to apply for benefits is three months before you want your payments to start; therefore, you can go ahead and apply now for April benefits. There are three ways to apply –

1) Over the phone by calling 800-772-1213, Monday through Friday, 7am-7pm.
2) In person at your local Social Security Office. You should call ahead to make an appointment.
3) Online at https://secure.ssa.gov/iClaim/rib. If you apply for your benefits online, you may need to provide documentation (i.e. proof of citizenship). If so, these documents will be requested at the end of the application along with instructions on how and where to send them.

You can also check your application status online at https://secure.ssa.gov/apps6z/IAPS/applicationStatus. It will take at least five days from your application date for a status update to appear and you will need your confirmation number.

C.J. Miles, MSA, MBAHCM
Research Analyst/Certified Social Security Advisor (NSSA)
AMAC Foundation
Notice: If you have any additional questions about applying for your benefits or any other Social Security issues, you can reply below. If you would like to discuss your situation privately, you can email C.J. at cmiles@amacfoundation.com. Please do not provide any personal identification information such as Social Security numbers.

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